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  • Personal
    • Checking Accounts
    • Savings Accounts
      • Money Market Accounts
      • Health Savings Accounts
      • Share Certificates
      • IRA
    • Mobile & Online Banking
    • VISA Debit
    • VISA Credit
    • Insurance
    • HERO Financial Counseling
    • Teen Debit Account
  • Loans & Credit
    • Auto, Motorcycle and RV Loans
      • Auto Buyer’s Guide
      • Shop Enterprise Car Sales
    • Personal Loans
      • Personal Loans and Line of Credit
      • Credit Builder Loan
    • Student Loans
      • Smart Option Student Loan®
      • Money Tips For College Students
    • Rates
    • VISA Credit
    • Pay Loans Online
    • Credit & Financial Review
  • Home & Mortgage
    • Home Equity Loans
    • Mortgage Team
    • Mortgage Process
    • Rates
    • First-Time Homebuyer 101
    • Pay Your Mortgage
  • Financial Planning
    • Financial Planning Team
    • Guided Wealth Portfolios
    • Financial Planning Resources
    • Financial Planning Account Access
  • About Us
    • Younity
    • Eligibility
    • ATM & Branch Locations
      • Boyertown
      • Cumru
      • Exeter
      • Muhlenberg
      • Pottstown
      • Royersford
      • Tower Health Reading Hospital
      • Contact Center
      • Wyomissing
    • Careers & Internships
    • Annual Reports & Board Election
    • Community Involvement
      • Scholarships
      • Charity Golf Invitational
      • Calendar of Events
    • Mystery Shoppers
    • Contact Us
  • Learn
    • Blog
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    • Zogo Financial Education App
  • Tools & Resources
    • Calculators
    • Account Management Tools
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    • Transfer Funds
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Individual Retirement Accounts (IRAs)

Build Or Add To Your Retirement Nest Egg

Individual retirement accounts (IRAs) are one of the most viable answers to the question of how to assure a secure retirement. Diamond offers Traditional and Roth IRAs.

What You Should Know About IRAs

Traditional IRAs allow tax-deductible contributions and the amount in your IRA can grow tax-free. Your contributions and gains are taxed when distributed. Anyone who has earned income, or is filing jointly with a spouse who has earned income, may contribute.

Roth IRA contributions are not tax-deductible, however, all withdrawals, including earnings, are generally tax-free if the account has been open for at least five years and the account holder is 59½ or older.

For either a Traditional IRA or Roth IRA, the current contribution limit for 2025 is $7,000, with a catch up of an additional $1,000 for those 50 years of age or older. It is best to contact a financial or tax advisor regarding your eligibility contribution limit based on your income.

  • Share Certificates and Money Market IRAs available.
  • Earn a market-leading interest rate.
  • Your funds are federally insured up to $250,000.
  • Choose the IRA investment option(s) that suit your needs.
  • Use the IRA Accumulation Account to accumulate deposits. Invest in an IRA Certificate or Money Market account at a better rate when you’ve reached your desired amount.

Deposit Disclosure

Visit a Branch to Open An IRA

Expanded Services

Money Market
Account

Health Savings Accounts

Share Certificates

Need more information?

Contact a Diamond representative during normal business hours.

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